I wouldn’t worry too much about that. I had coilovers on my last car when I got t-boned. The car was written off and I got a full claim with no questions asked. Perhaps if you had a drastic power mod and the accident was somehow related to speeding, or if your car was lowered so much it contributed to the accident damage in some major way.

You've seen it go your way once. I see it go the other way, frequently.